:root {
  --ink: #0b0b0c;
  --paper: #f5f3ee;
  --white: #ffffff;
  --cyan: #00a6d1;
  --muted: #625f58;
  --line: #d8d4ca;
  --max: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: var(--paper); color: var(--ink); font-family: "Open Sans", Inter, Arial, sans-serif; font-size: 17px; line-height: 1.65; }
a { color: inherit; text-underline-offset: 4px; }
a:focus-visible { outline: 3px solid var(--cyan); outline-offset: 4px; }
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { line-height: 1.05; letter-spacing: -0.035em; }
h1 { max-width: 940px; margin-bottom: 28px; font-size: clamp(3.3rem, 8vw, 7.8rem); }
h2 { margin-bottom: 20px; font-size: clamp(2.2rem, 4.4vw, 4.5rem); }
h3 { margin-bottom: 14px; font-size: 1.55rem; }

.site-header { max-width: var(--max); min-height: 92px; margin: 0 auto; padding: 20px 28px; display: flex; align-items: center; justify-content: space-between; gap: 24px; border-bottom: 1px solid var(--line); }
.brand { display: inline-flex; align-items: center; gap: 12px; font-weight: 800; text-decoration: none; letter-spacing: -.02em; }
.brand-mark { width: 42px; height: 42px; display: grid; place-items: center; flex: 0 0 auto; background: var(--ink); color: var(--white); border-radius: 50%; font-size: .77rem; letter-spacing: -.06em; }
.brand-mark.small { width: 32px; height: 32px; font-size: .62rem; }
nav { display: flex; gap: 28px; font-size: .9rem; }
nav a { text-decoration: none; }
nav a:hover, nav a[aria-current="page"] { text-decoration: underline; }

.hero { max-width: var(--max); min-height: 730px; margin: 0 auto; padding: clamp(76px, 10vw, 140px) 28px 48px; display: flex; flex-direction: column; justify-content: center; }
.eyebrow, .kicker { margin-bottom: 22px; font-size: .78rem; font-weight: 800; letter-spacing: .15em; text-transform: uppercase; }
.eyebrow { display: flex; align-items: center; gap: 10px; }
.eyebrow span { width: 9px; height: 9px; background: var(--cyan); border-radius: 50%; box-shadow: 0 0 0 7px rgba(0,166,209,.15); }
.lede { max-width: 760px; color: var(--muted); font-size: clamp(1.15rem, 2vw, 1.45rem); line-height: 1.55; }
.hero-actions { margin-top: 28px; display: flex; align-items: center; gap: 26px; flex-wrap: wrap; }
.button { display: inline-flex; min-height: 54px; padding: 14px 24px; align-items: center; justify-content: center; background: var(--cyan); color: var(--ink); border: 2px solid var(--cyan); font-weight: 800; text-decoration: none; }
.button:hover { background: transparent; }
.text-link { font-weight: 700; }
.trust-line { margin-top: 88px; padding-top: 22px; display: flex; gap: 24px 44px; flex-wrap: wrap; border-top: 1px solid var(--line); color: var(--muted); font-size: .84rem; font-weight: 700; }
.trust-line span::before { content: "✓"; margin-right: 8px; color: #007895; }

.section { max-width: var(--max); margin: 0 auto; padding: clamp(84px, 10vw, 140px) 28px; border-top: 1px solid var(--line); }
.intro, .security { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 8vw, 110px); align-items: start; }
.intro > p, .security-copy { color: var(--muted); font-size: 1.1rem; }
.section-heading { max-width: 740px; margin-bottom: 52px; }
.card-grid { display: grid; grid-template-columns: repeat(2, 1fr); border-top: 1px solid var(--ink); border-left: 1px solid var(--ink); }
.card { min-height: 300px; padding: 34px; border-right: 1px solid var(--ink); border-bottom: 1px solid var(--ink); }
.card-number { display: block; margin-bottom: 78px; color: var(--muted); font-size: .74rem; font-weight: 800; }
.card p { max-width: 470px; margin-bottom: 0; color: var(--muted); }
.process { background: var(--white); max-width: none; padding-left: max(28px, calc((100vw - var(--max)) / 2 + 28px)); padding-right: max(28px, calc((100vw - var(--max)) / 2 + 28px)); }
.process .section-heading, .process .steps { max-width: var(--max); margin-left: auto; margin-right: auto; }
.steps { list-style: none; padding: 0; border-top: 1px solid var(--line); }
.steps li { padding: 28px 0; display: grid; grid-template-columns: 76px 1fr; border-bottom: 1px solid var(--line); }
.steps li > span { color: var(--cyan); font-size: .84rem; font-weight: 800; }
.steps h3 { margin-bottom: 8px; }
.steps p { max-width: 720px; margin-bottom: 0; color: var(--muted); }
.policy-links { margin-top: 28px; display: grid; gap: 12px; font-weight: 700; }
.cta { padding: clamp(84px, 12vw, 160px) 28px; background: var(--ink); color: var(--white); text-align: center; }
.cta h2 { max-width: 850px; margin: 0 auto 34px; }
.button-light { background: var(--white); border-color: var(--white); color: var(--ink); }
.button-light:hover { color: var(--white); }

footer { max-width: var(--max); margin: 0 auto; padding: 46px 28px; display: grid; grid-template-columns: 1fr auto; align-items: center; gap: 24px; font-size: .85rem; }
footer > div:first-child { display: flex; align-items: center; gap: 10px; font-weight: 800; }
.footer-links { display: flex; gap: 22px; }
footer > p { grid-column: 1 / -1; margin: 0; color: var(--muted); }

.legal-shell { max-width: 960px; margin: 0 auto; padding: 0 28px 100px; }
.legal-hero { padding: clamp(76px, 10vw, 130px) 0 58px; border-bottom: 1px solid var(--line); }
.legal-hero h1 { font-size: clamp(3rem, 7vw, 6rem); }
.legal-hero > p:last-child { color: var(--muted); }
.legal-copy { padding-top: 24px; }
.legal-copy section { padding: 42px 0; border-bottom: 1px solid var(--line); }
.legal-copy h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
.legal-copy p, .legal-copy li { color: #373530; }
.legal-copy ul { padding-left: 24px; }

@media (max-width: 720px) {
  body { font-size: 16px; }
  .site-header { padding: 16px 20px; }
  .brand { max-width: 230px; line-height: 1.15; }
  nav { gap: 14px; font-size: .8rem; }
  nav a:first-child { display: none; }
  .hero, .section, .legal-shell { padding-left: 22px; padding-right: 22px; }
  .hero { min-height: 660px; }
  .trust-line { margin-top: 58px; display: grid; gap: 12px; }
  .intro, .security { grid-template-columns: 1fr; }
  .card-grid { grid-template-columns: 1fr; }
  .card { min-height: 260px; padding: 28px 24px; }
  .card-number { margin-bottom: 48px; }
  .process { padding-left: 22px; padding-right: 22px; }
  .steps li { grid-template-columns: 42px 1fr; }
  footer { padding: 38px 22px; grid-template-columns: 1fr; }
  .footer-links { flex-wrap: wrap; }
}

@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }